Veterinary Students

Fully Underwritten Plan

As a graduating Veterinary Student, you may obtain up to $3,000per month of base monthly benefit, another $2,000 per month (over and above your monthly benefit) to cover your student loans, and up to $6,000 per month of Future Increase Option rider.

Optional riders include:

  • Enhanced Medical Specialty Definition of True Own Occupation
  • Partial Disability Rider along with a Recovery Benefit to match your chosen benefit period (to age 65, 67, 70 or for your Lifetime)
  • Cost of Living Adjustment Rider
  • Enhanced Catastrophic Disability Benefit Rider
  • A Lump Sum payment rider
  • Future Increase Option up to $6,000 as stated above
  • Guardian's exclusive Student Loan Protection Rider up to $2,000 as state above
  • 10% permanent Student/Resident Discount (if applying within 60 days post graduation)

Conversion Privilege Plan

(Dependent upon known medical history or underwriting outcome)

As a graduating Veterinary Student, you have the ability to obtain up to $2,000 per month of individual disability coverage, upon graduation (window of eligibility is 60 days pre and 60 days post graduation).

Individual disability insurance coverage with Guardian is on a Guaranteed Standard Issue basis:

  • No medical underwriting required
  • Enhanced Medical Specialty Definition of True Own Occupation
  • Benefit Period to age 65
  • 10% permanent discount1

Optional riders include:

  • Partial Disability Rider along with a Recovery Benefit to age 65
  • Student Loan Protection Rider2

More choices to meet your needs:

  • Up to $1,000,000 of life insurance with simplified underwriting

Contact your University Endorsed Agent:

Heather Bantle

612-746-2339
heather_bantle@fosterklima.com


1 10% discount applies as there is a 24 month mental nervous and/or substance-related disorders limitation on the policy

2 Student Loan coverage must be part of the $2,000 per month guaranteed benefit.